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fed era l

reserv e

Bank

OF DALLAS

Dallas, Texas, April 15,1965

OPERATING RATIOS OF MEMBER BANKS
ELEVENTH FEDERAL RESERVE DISTRICT

To the Member Banks in the
Eleventh Federal Reserve D istrict:
There is presented on the inside pages of this letter the annual state­
ment of operating ratios of member banks in the Eleventh Federal Reserve
D istrict for 1964, with comparative ratios for 1963. Ratios for your bank
for these years, as well as for 1962, are included for your convenience in
making comparisons.
If you should like to have additional copies of this report, we will be
glad to send them to you.
Yours very truly,
Watrous H. Irons
President

This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org).

OPERATING RATIOS OF MEMBER BANKS FOR THE YEARS 1964 and 19631— ELEVENTH FEDERAL RESERVE DISTRICT

Number of banks in group

$500 and under
1963
1964
6
4

$500- $1,000
1964
1963
28
31

$1,000 - $2,000
1964
1963
90
78

BANKS WITH AVERAGE DEPOSITS (In thousands of dollars)
$2,000 - $5,000 $5,000 - $10,000 $10,000 - $25,000 $25,000 - $50,000 $50,000-$100,000 $100,000-$250,000 Over $250,000
1964
1964
1963
1963
1964
1963
1963
1964
1964
1964
1963
1963
1964
1963
154
196
197
155
100
85
29
30
20
12
17
13
9
9

SUMMARY RATIOS
Percentage of Total Capital Accounts:
1.
2.
3.
4.

Net current earnings................................................................
Net income before related taxes.............................................
Net income after taxes..............................................................
Cash dividends declared..........................................................

7.5
5.7
4.2
3.6

8.1
5.0
3.6
.5

8.9
7.0
5.4
2.3

8.8
6.5
4.7
2.7

9.6
7.3
5.7
2.5

5.11
1.05
.59

5.49
1.04
.29

5.40
1.16
.64

4.92
1.19
.70

5.46
1.17
.66

10.4
9.5
7.3
2.8

13.0
10.1
7.9
3.1

13.5
11.0
8.3
3.3

15.2
11.8
8.7
3.8

14.6
12.2
9.0
3.4

17.0
12.4
9.3
3J5

16.9
12.7
9.0
3.6

12.3
9.1
6.2
3.4

12.8
10.6
7.1
3.4

17.5
13.0
8.1
3.4

16.7
12.6
8.3
3.3

15.4
11.4
7.2
4.3

14.9
12.2
7.3
4.1

15.9
13.4
7.8
4.5

16.7
15.6
8.4
4.7

1
2
3
4

Percentage of Total Assets:
5. Total operating revenue............................................................
6. Net current earnings................................................................
7. Net income after taxes..............................................................

4.85
1.25
.87

4.97
1.31
.78

4.75
1.31
.80

4.84
1.28
.74

4.62
1.22
.75

5.08
1.28
.71

4.94
1.25
.67

4.39
.96
.49

4.26
1.00
.55

4.44
1.26
.59

4.22
1.17
.57

4.38
1.20
.57

4.05
1.09
.54

3.91
1.29
.63

3.77
1.41
.71

5
6
7

SOURCES AND DISPOSITION OF EARNINGS
Percentage of Total Operating Revenue:
8. Interest and dividends on:
a. U. S. Government securities...............................................
b. Other securities....................................................................
9. Revenue on loans.......................................................................
10. All other revenue.......................................................................
11.
Total operating revenue...............................................
12. Service charges on deposit accounts (Included in item 10) 2
13. Trust department revenue (Included in item 10) 2................
14. Salaries and wages....................................................................
15. Pension, hospitalization, social security taxes, etc...............
16. Interest on time and savings deposits.....................................
17. Net occupancy expense of bank premises...............................
18. All other expenses....................................................................
19.
Total operating expenses.............................................
20. Net current earnings................................................................
21. Net recoveries (losses — ) 3......................................................
22. Net decrease (increase — ) in valuation reserves..................
23. Taxes on net income..................................................................
24. Net income after taxes..............................................................

20.3
.5
71.8
7.4
100.0
—
—

43.3
1.6
8.9
6.8
20.2
80.8
19.2
-4 .4
—

3.9
10.9

14.8
.6
76.8
7.8
100.0
7.7
—
39.1
1.3
6.4
10.7
21.3
78.8
21.2
-8.1
—
4.8
8.3

16.9
2.3
71.7
9.1
100.0
6.1
—

37.9
1.6
9.2
7.0
22.3
78.0
22.0
-4 .9
- .2
4.3
12.6

19.8
2.5
69.1
8.6
100.0
6.0
—
38.8
2.0
8.2
6.3
20.8
76.1
23.9
-4 .8
-.1
4.8
14.2

18.5
5.5
66.8
9.2
100.0
6.7
—

34.9
1.7
12.8
7.0
20.5
76.9
23.1
-3.1
-2.1
4.2
13.7

20.3
7.0
64.5
8.2
100.0
5.7
—
35.0
1.8
12.8
5.9
18.5
74.0
26.0
-1.1
-.7
5.8
18.4

19.8
8.4
63.0
8.8
100.0
6.2
2

31.1
1.8
16.3
5.7
17.7
72.6
27.4
-4.2
-1.5
5.1
16.6

20.7
8.3
62.1
8.9
100.0
6.2
.2
31.8
1.9
14.6
5.5
17.7
71.5
28.5
-2 .9
-1 .8
6.1
17.7

19.6
9.3
61.5
9.6
100.0
7.0
.1

28.2
2.0
20.7
5.4
16.7
73.0
27.0
-3 .4
-2 .2
5.7
15.7

20.2
8.8
61.3
9.7
100.0
7.0
.1
29.0
2.0
19.7
5.7
16.8
73.2
26.8
-2.3
-1 .8
6.0
16.7

14.5
9.1
64.9
11.5
100.0
8.0
.5

26.3
2.4
23.5
5.4
17.1
74.7
25.3
-5.1
-1 .3
4.7
14.2

15.9
8.5
63.6
12.0
100.0
8.6
.5
27.1
2.4
21.9
5.6
17.6
74.6
25.4
-2 .9
-3 .2
5.6
13.7

16.2
83
65.4
9.9
100.0
5.5
2.1

25.2
2.9
28.0
5.5
16.6
78.2
21.8
-3.3
-2.1
5.1
11.3

17.2
7.9
64.6
10.3
100.0
6.1
2.1
26.3
2.9
25.3
5.1
17.1
76.7
23.3
-2 .0
-2 .2
6.2
12.9

17.3
5.5
67.5
9.7
100.0
4.7
2.5

23.5
3.2
22.8
4.9
17.2
71.6
28.4
-4 .6
-2 .3
8.0
13.5

17.1
5.1
68.3
9.5
100.0
4.5
2.7
24.8
3.6
21.7
4.8
17.1
72.0
28.0
-2 .4
-4.1
7.6
13.9

14.9
6.5
69.0
9.6
100.0
4.6
2.8

23.4
3.1
24.5
5.1
16.3
72.4
27.6
-3 .0
-3 .5
8.0
13.1

19.8
6.2
63.8
10.2
100.0
4.5
2.9
24.0
2.9
24.0
5.0
17.0
72.9
27.1
-1 .5
-2 .7
9.2
13.7

16.6
6.4
68.7
8.3
100.0
1.5
4.7

16.7
2.5
29.0
2.4
16.3
66.9
33.1
-1 .8
-3 .4
11.6
16.3

16.6
5.5
69.6
8.3
100.0
1.6
4.7
17.8
2.9
23.9
1.8
16.1
62.5
37.5
-.3
-1 .9
16.8
18.5

8
a
b
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24

RATES OF EARNINGS ON SECURITIES AND LOANS
Percentage of Securities:
25. Interest and dividends on U. S. Government securities.......
26. Interest and dividends on other securities...............................
27. Net recoveries and profits (losses — ) on securities3............

4.32
6.15
—

3.46
6.82
—

3.61
4.91

6.67
-1.04

4.14
3.96

—

3.36
5.02
.02

8.29
-.6 6

8.25
-.3 7

4.00
3.46

—

3.82
3.66
.07

—

3.76
3.29
—

3.97
3.12
.02

3.90
2.98
.05

3.77
2.97
.03

3.51
3.02
.10

3.54
2.94
-.0 7

3.31
2.97
.07

3.63
2.91
.07

3.41
2.86
.01

3.67
2.82
-.01

3.30
2.88
.06

3.35
3.35
-.1 7

3.20
3.22
.17

25
26
27

7.97
-.3 6

7.75
-.1 9

7.54
-.40

7.58
-.2 4

7.24
-.3 5

7.22
-.2 6

7.19
-.4 9

7.35
-.3 2

6.21
-.2 4

6.34
-.1 9

6.30
-.2 3

6.13
-.1 9

5.99
-.23

5.80
-.2 3

5.57
-.1 3

5.54
-.0 9

28
29

Percentage of Total Loans (N et):
28. Revenue on loans.......................................................................
29. Net recoveries (losses — ) on loans3.......................................

7.68
-.3 3

DISTRIBUTION OF TOTAL ASSETS
Percentage of Total Assets:
30.
31.
32.
33.
34.
35.

U. S. Government securities....................................................
Other securities.........................................................................
Loans (net) .............................................................. ................
Gash assets.................................................................................
Real estate assets.......................................................................
All other assets...........................................................................

24.3
.4
48.1
26.5
.5
.2

21.7
.5
47.9
28.8
1.0
.1

23.6
3.7
45.3
25.7
1.6
.1

25.8
3.2
42.6
26.7
1.5
.2

22.6
8.0
45.2
22.3
1.8
.1

24.7
9.7
41.2
23.0
1.3
.1

23.1
12.4
42.1
20.4
1.9
.1

24.7
12.2
39.4
22.0
1.6
.1

22.8
14.2
41.8
19.1
1.9
.2

23.8
13.8
39.9
20.6
1.7
.2

18.9
15.0
46.3
17.5
2.0
.3

21.8
13.5
43.3
19.2
1.9
.3

19.6
12.9
46.3
18.1
2.8
.3

22.2
11.4
43.7
19.9
2.5
.3

20.8
8.2
48.1
20.5
2.1
.3

20.3
7.8
47.0
22.5
2.0
.4

17.5
10.2
50.4
18.9
2.4
.6

23.5
9.0
44.6
20.2
2.0
.7

18.3
7.7
48.2
22.6
2.2
1.0

18.2
6.5
47.5
24.7
2.2
.9

30
31
32
33
34
35

15.4

19.6

16.3

14.7

14.3

12.5

10.7

10.2

8.5

8.4

7.9

7.7

8.2

8.2

7.2

7.1

8.0

7.5

8.1

8.5

36

33.6
18.4
16.0
3.64

43.0
27.2
11.9
4.39

34.8
21.0
16.3
3.94

32.7
18.4
13.8
3.58

27.2
17.2
22.6
3.56

25.2
14.7
19.6
3.45

19.5
12.2
25.7
3.57

19.9
11.5
22.5
3.50

15.9
9.4
30.5
3.61

16.2
9.2
28.2
3.49

12.6
8.7
36.8
3.52

13.4
8.5
34.9
3.36

13.3
9.1
37.2
3.63

14.6
9.1
33.5
3.49

12.8
8.0
32.4
3.41

12.5
7.7
30.2
3.30

12.7
9.1
34.9
3.45

13.5
8.4
34.4
3.06

13.9
9.2
35.1
3.67

15.0
9.6
28.9
3.53

37
38
39
40

OTHER RATIOS
36. Total capital accounts to total assets.....................................
37. Total capital accounts to total assets less
Government securities and cash assets......................
38. Total capital accounts to total deposits...................................
39. Time deposits to total deposits...............................................
40. Interest on time deposits2........................................................
For notes see back page.

NOTES FOR TABLE

1Each of the 1964 ratios represents an average of the ratios of individual banks com­
puted from data taken from reports of condition as of December 20, 1963, April 15,
1964, and June 30, 1964, and from reports of income and dividends for the year 1964.
Figures used as a basis for the 1963 ratios are averages of amounts taken from reports
of condition as of December 28, 1962, March 18, 1963, and June 29, 1963, and from
reports of income and dividends for the year 1963.
2Banks reporting zero amounts were excluded in computing this average, and figures are
not shown where there were fewer than three banks in a group.
3Computed on the basis of actual net losses or recoveries (after adjustments for trans­
fers to and from reserves for bad debts), rather than on the basis of figures furnished on
the face of the Report of Income and Dividends.
NOTE: Details may not add to totals because of rounding.


Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102